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  1. BeTheChange

    The *No Contact* Challenge! ( Read this if you just got dumped)

    Got to be said. You are a pvssy bro. You were posting in this NC thread a year ago and even then you'd been posting on and off for a while. Beyond saving...
  2. BeTheChange

    would you make a slvt your girlfriend?

    Ahahaha. What was her response?
  3. BeTheChange

    would you make a slvt your girlfriend?

    I lol'd in real life at this.
  4. BeTheChange

    The *No Contact* Challenge! ( Read this if you just got dumped)

    Just over one year since the break up. Haven't seen or heard from her in about six months. Boys, the break up was THE BEST THING that has happened to me. It was the catalyst that set me on a path of change. Can honestly say I don't miss her at all. And best of all I don't need another woman...
  5. BeTheChange

    When your passive income is greater than your active income

    Going to have to be straight here. I think a lot of successful people are planning for passive income. For every Mark Zuckerberg, who generates huge wealth from loving what they do 24/7, there are those whose make it their career goals to gain financial freedom and they also do very well. I am...
  6. BeTheChange

    When your passive income is greater than your active income

    You can make those claims with any business really. I like to get my hands dirty in something that's MINE. Besides you can pay managers to do most of the gritty work while you keep things high level, which is what I'm doing with my real estate business. I let the managers deal with the...
  7. BeTheChange

    AAAgent's Crypto Journey

    @AAAgent Are you doing this in addition to your job or trading full time?
  8. BeTheChange

    Real estate investment - Interest only vs capital repayment

    Or you can just do best of both worlds. Buy a property with substantial renovation potential, fix it up. Revaluae and refinance by pulling out the additional equity (which effectively gives you the same result as a sale without incurring the text ability) and plow the additional cash into the...
  9. BeTheChange

    When your passive income is greater than your active income

    Essentially, when youre portfolio income makes more than your actual job. For people who have reached this point or seek to reach this point what do you plan to do? Do you plan to retire at this point, since your wealth is now making enough to cover both your living expenses and some. So you...
  10. BeTheChange

    AAAgent's Crypto Journey

    Coinbase is fine but it won't validate my ID! Lol.. Guess I'll just have to wait a few days and see.
  11. BeTheChange

    Success Journal - The journey to actualising one's potential

    Quick one as not updated for a while. Real estate Property 1 fully let for most of the summer and majority of capex carried out. Will consider more long term tenants after summer as international summer students are higher margin than normal tenants. Ensuite in largest room still needs to...
  12. BeTheChange

    AAAgent's Crypto Journey

    Tried all this with no issues. Is there another similar exchange I could use that might give me more success? I'm based in the UK so ideally need to an exchange that allows for BTC/GBP, etc.
  13. BeTheChange

    AAAgent's Crypto Journey

    Having problems uploading my ID on to coinbase. Any reason why this continues to happen? It keeps knocking me back even though my ID is clear. Now saying I can't try again for another 24 hours!
  14. BeTheChange

    AAAgent's Crypto Journey

    Fair point. You're a grinder and I respect that. You've clearly put a lot of time, effort and research into reaching your position. Personally, it would take me months to accumulate enough knowledge for me to be comfortable investing a material amount in cryptocurrency and mining software. As...
  15. BeTheChange

    Real estate investment - Interest only vs capital repayment

    @BeExcellent Agree with most of what you say except i disagree on comps as the go to means of valuation. I think comps are reflective of the market of the time and just like the market price of stocks can be driven by a number of factors that dont reflect fundamental value. Just look at the...
  16. BeTheChange

    AAAgent's Crypto Journey

    Not a fair comparison. Im happy to share how much I've made both in absolute terms and ROI from my investments. If crypto is the future and a wild success then shouldn't you be content to share just how successful you've been?
  17. BeTheChange

    AAAgent's Crypto Journey

    How much does mining cost? This whole market seems a lot like tulips or gold. No real fundamentals. No revenue generating potential. How much in absolute terms have you made from this and with what level of capital?
  18. BeTheChange

    Real estate investment - Interest only vs capital repayment

    @BeExcellent So you pay 70% below market value? What do you define as market value? Its list price? Is value based on a multiple of expected net income? A dcf model?
  19. BeTheChange

    Real estate investment - Interest only vs capital repayment

    Bump. The sums I made above are wrong as I did not take into account the amortisation on the loan and therefore the fact that the interest is a significantly higher proportion of the total repayment at the beginning of the loan. I would therefore argue that for business purposes interest only...
  20. BeTheChange

    Cryptocurrency

    Looking to get into this now my latest property deal has closed. Aiming to allocate no more than 5% of my investment capital. That's be around $8,000. With that kind of budget which cryptocurrency do you thinking would make the best investment? Also @AAAgent do you have any recommended...
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